Myth: Many drivers believe that small modifications, like custom wheels or minor aesthetic changes, won’t affect their insurance and don’t need to be disclosed. However, even seemingly minor upgrades could impact your policy.
Reality: Any modifications to your vehicle, whether for aesthetics or performance, need to be disclosed to your insurer. Failure to disclose modifications could result in your policy being voided if you make a claim! Modifications can make your vehicle look more appealing, so insurers need to know about any changes to properly assess your cover.
Always speak to your broker about any changes you make to your vehicle to ensure you remain covered under your Car Insurance.
Reducing your business insurance premiums without compromising coverage is possible with a strategic approach.
Here are some examples of how this can be done:
Increase Deductibles: Opting for a higher excess can lower your premiums. Just ensure that you can comfortably afford it in the event of a claim.
Bundle Policies: Many insurers offer discounts if you bundle multiple types of insurance (eg. property, liability, and business interruption) with the same provider. This can simplify management and reduce overall costs.
Implement Additional Risk Management Measures: Enhance safety and security at your business to lower the risk of claims. This could include installing fire alarms, security systems, and surveillance cameras, as well as regular maintenance and staff training on safety protocols. You may qualify for a discount when extra safety/security measures are implemented.
Regularly Review and Update Coverage: Periodically review your policies to ensure you’re not over-insured or paying for unnecessary coverage. Adjust coverage to reflect any changes in your business, such as downsizing or removing obsolete equipment.
Maintain a Good Claims History: Insurers may offer lower premiums to businesses with a good claims’ history. Implementing risk management practices that reduce the likelihood of claims can help maintain a clean record.
If you’re not sure whether you are properly covered, please don’t leave it to chance. Get expert advice before it’s too late and speak to the team at David J Miller Insurance Brokers. We can arrange a review of your details when it’s due for renewal so get in touch!
David J Miller Insurance can get you covered with comprehensive and competitive travel insurance, whether you’re jetting off solo or taking the whole family along. From single trips to annual policies, we’ll find the right policy for your adventures!
Wherever you’re headed — whether it’s backpacking, skiing, or relaxing under the sun, our policies can ensure you’re protected every step of the way.
Get in touch to learn more about:
Annual policies
Single trip options
Cruises
Dangerous sports
Water sports
Winter sports
Cover for pre-existing medical conditions **
Specialist cover
Round-the-world trips
Special restrictions
**A pre-existing condition is any health or medical issue you’ve been diagnosed with or received treatment for, including symptoms you’re waiting on a diagnosis for. If you’re unsure whether a condition is relevant, you do need to share it with us — this includes conditions managed with medication or those that only flare up now and then. Remember, honesty is the best policy!
Using the David J Miller team will help you save time and money! Let us help you find the best policy tailored to your needs, so you can travel with peace of mind knowing you and your loved ones are well-protected.
If you’re off on your travels, get in touch as soon as you book to ensure your trip is covered, especially for cancellation, as anything can happen in the time between booking and travelling.
Did you know that David J Miller Insurance Brokers has a dedicated event insurance team? Our straightforward, no-nonsense staff are here to help you quickly get a quote or answer any event-related questions you might have. We’ll get you covered in no time!
Our team specialises in Event Insurance for event committees, individual organisers and professionals. So, whether you’re planning a village fete, a sports tournament, a conference, an exhibition, a boxing match, or even a festival, our team is here to make sure your event is properly insured. It doesn’t particularly matter what size or scale your event is. If you need insurance for just one day, or for multiple events throughout the year, we’ve got a policy that covers that too!
Our events insurance team focus solely on the Event Insurance industry and understand how confusing it can be. We’re committed to answering all your questions, big or small and we take pride in delivering exceptional service every step of the way.
Beyond great service, our quotes are comprehensive and affordable. We’ll make sure your event has all the essential coverage you require.
Here are ‘some’ of the event insurance options we can offer:
Public Liability Insurance – Essential for covering incidents where a member of the public might get injured or 3rd party property is damaged at your event.
Employers’ Liability Insurance – If you’ve got anyone helping at your event whether paid or not, this coverage is normally required by law.
Equipment Cover – Protects any event equipment owned or hired in case it’s damaged or stolen.
Event Cancellation Insurance – Provides financial protection if unforeseen circumstances force you to cancel the event.
We’re here to make sure you get the cover you need so get in touch.
Gap Insurance can be your safeguard when it comes to treating yourself to a new car. It bridges the gap between what your insurer would pay if your car were stolen or written off, and what you originally paid for it.
Imagine spending £15,000 on a car or financing that amount. Then, a week later, your car is stolen or written off. Your insurer offers you £10,000 based on the car’s current value, but you’re still £5,000 short or potentially even in debt for a car you no longer have.
That’s where Gap Insurance steps in! It covers the shortfall between your insurer’s payout and what you’d need to replace the car or clear your finance. Given how quickly cars depreciate, it can really save the day.
Where Gap Insurance Applies
You’ve Taken Out a Big Loan to Buy Your Car – Gap Insurance can cover any outstanding finance if your car is stolen or written off, so you won’t be stuck paying for a car you can no longer drive.
Worried About Depreciation? – If your car’s value drops quickly, you may not get back what you paid for it after an incident. Gap Insurance will enable you to get back more of what the car has actually cost you.
You’re in a Long-Term Lease – For long-term rentals with mileage limits, a write-off could leave you without a car and facing hefty fees. Gap Insurance helps protect you from this scenario.
Who wouldn’t want peace of mind from this potential scary financial scenario? Some scary stats here……….did you know that nearly 500,000 vehicles are written off every year and a vehicle is stolen every 8 seconds in the UK?
The David J Miller’s team are here to help so get in touch!
We all know insurance isn’t the most exciting industry but some of the claims that are made can make us chuckle!
A homeowner reported that his washing machine had ‘gone mad’ and caused a flood.
Upon investigation, it was discovered that the machine had malfunctioned during a particularly wild spin cycle, shaking so violently that it had disconnected its water hose, which then flooded the utility room.
The homeowner described it as being ‘possessed’ and had ‘danced’ its way into causing significant water damage. The insurance company agreed and paid the claim under the property owners insurance policy, labeling the incident ‘mechanical misbehavior.’
Sounds like the washing machine had one too many spins, just like Uncle Keith after a few drinks when he’s at family parties!
You’re not alone! Many people are seeing their premiums rise. One of the causes is due to rising costs of materials and labour needed for repairing and rebuilding damaged homes. But don’t worry – we could help save you money on your home insurance premium.
Do you really need home insurance?
Unlike car insurance, home insurance isn’t legally required in the UK. But it’s highly recommended! Without it, you could face costly repairs or replacements if the unexpected happens. Plus, many mortgage providers require buildings insurance, so it’s worth having both buildings and contents cover for full peace of mind.
How much will it cost?
The cost of home insurance varies based on factors like:
Our client (I’ll call him Mr Fish) had arranged property owner’s insurance through us. He had received a letter from his regional water board advising the property was using a lot more water than was expected for the type of building and had increased quite suddenly. They advised there would be an engineer sent out to investigate as there must be a leak somewhere but could take anything between 4-6 weeks before they could get anyone to come out?
Mr Fish was concerned that the water could be causing more damage than necessary whilst he was waiting, so got in touch with ourselves to looking at dealing with through his insurance?
We advised him to arrange for an engineer to go out and the leak was detected between the water meter and the stop valve. It was a substantial leak…….he was losing 18 litres of water an hour (which he would be paying for too!)
After a few hours of digging through concrete, the leaky pipe was found – this was covered under the ‘Trace & Access’ clause of his Buildings Policy and the insurance company footed the bill for the investigation work.
This was all done within 7 days of the claim being reported – that’s what you call a fantastic result!
At least Mr Fish hadn’t been trying to fill a swimming pool… though he could’ve have if it had been left to the water board!
Trace & access cover means you are covered to identify the source of a water leak and making sure there is access for it to be fixed (the repair/replacement of the leak source is not covered). It gives peace of mind knowing your insurance can cover this, as generally this could be the most costly part of the job.
To put it simply, as an expert in their field, an insurance broker represents their clients’ interests in finding and advising on cost effective insurance protection. They act as the middleman between clients and insurance companies; through understanding their clients’ needs and requirements they can ensure that they find suitable cover to meet their requirements at that time.
What does an insurance broker do?
Primarily, an insurance broker is someone you can buy insurance from; however, they do not work for insurance companies. A broker will work towards understanding their clients’ needs and constraints in order to be able to act in their clients’ best interests. Essentially, they become their client’s right-hand person in insurance by shopping around to find the best possible deals with their client requirements in mind.
Why would I use an insurance broker when I can use direct comparison sites?
Often, a comparison website will be the first port of call when looking to find the most competitive insurance policies available. Undeniably, a comparison site can be a good way of quickly scanning the current market, however, even the most well known sites offer generic policies rather than cover that is tailored to meet your specific needs. This means you could be paying for cover you do not need or may even not be able to find a policy that fully meets your individual requirements.
This is where an insurance broker can step in to make all the difference.
5 benefits of using an insurance broker
1. Dedicated expertise
An insurance broker offers a wealth of knowledge and understanding of how the insurance world works; with most specialising in particular areas of insurance and having access to insurers that do not deal directly with the public.
2. Personal touch
A good insurance broker will get to know their client, providing excellent customer service as a part of their service. By building a rapport with their client, they are able to properly understand their clients requirements and in turn find the policy that fits them best. Through building strong relationships with their clients, insurance brokers can become a reliable and trustworthy advisor.
3. Time savers
Shopping around for insurance can be a long and tedious task, especially if you are not completely sure on what you are looking for. Hunting for competitive and comprehensive insurance deals is what a broker is best at, as they do it every day! Other than taking information as and when it is needed, informing of the competitive rates available and contacting their client before their renewal date, brokers leave their clients to carry out their day-to-day lives while taking care of the hard work for them.
4. On your side
A broker’s priority is to find the best deal for their client while providing support as and when it’s needed. They will source cover to meet with the clients requirements and that at the most competitive quote available at that time.
5. Claim support
Brokers are on hand to provide support and assistance should a client need to make an insurance claim. They aim to make the process as simple as possible for the claimant by helping them to present their claim to the insurer in a clear and legible way in order to move the claim forward speedily.
Do I have to pay extra to use an Insurance Broker?
There are no upfront costs payable for using the services of an insurance broker. They are motivated by finding the best deal for their client and take a commission fee from the insurance company that has offered the quotation.
What sets David J Miller apart from other Insurance Brokers?
Based in the Northwest of England, David J Miller Insurance Brokers is a renowned insurance broker with over 50 years of experience. Operating since 1965, we have continuously developed and expanded our product offering through niche insurance opportunities and products.
As a dedicated insurance broker, we have built our reputation upon the foundations of competitive premiums, comprehensive cover and exceptional customer service. Our goal is not to satisfy our customer’s expectations but to exceed them!
In short, we don’t just want to sell you an insurance policy. Our team are on hand every day of the working week to assist with any of your concerns or queries. No matter how big or small the question may be, we are here. After all, our mission statement is to guarantee that you receive the most beneficial service to ensure that you want to return to us year after year.
Haven’t found the answer you were looking for?
We are happy to help with any queries you may have!
Contact us to speak to a member of our friendly team today.
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